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Get Up-to-Date Information About California Minimum Insurance Requirements

When it comes to car insurance, every state has its own laws governing the minimum liability insurance required. Some states follow a tort system, while others follow a no-fault or hybrid auto liability system. It’s important to know California’s insurance requirements in order to choose the best insurance policy for you. At AIP, learn everything you need to know about California’s auto insurance laws and compare California auto insurance company quotes here, your one-stop-shop for all things related to California car insurance.

California auto insurance law: minimum required auto insurance

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

A tort liability system is followed in California

This is an auto insurance system that holds the driver who is responsible for causing the accident liable for the victim’s medical and other accident-related expenses. A no-fault system does not require that a person be held responsible for causing an accident and will reimburse a policyholder without proof of fault.

Did you know that PIP insurance is not required in California?

Personal injury protection is an extension to auto insurance plans that covers medical and accident-related expenses regardless of who is at fault.

In CA, uninsured motorist coverage is not mandatory.

Don’t let an uninsured or underinsured motorist cost you money simply because it isn’t required. If you are the victim of an accident and they either do not have insurance or their insurance is not adequate enough to cover your expenses, you could lose a lot of money. In California, you may choose to purchase uninsured motorist coverage and it is probably smart to do so, but it is not state law that you have to. If you have uninsured motorist coverage, then you and your passengers may be able to collect from your own insurance company in the event that the at-fault party does not have adequate insurance coverage.

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